Keeping your banking and information secure is really important to us. Learn how to keep your Accounts and yourself protected with 24/7 security features so you can bank safely and rest easy.
Current scams to watch out for
Phishing scams occur when fraudsters send emails pretending to be someone they’re not, so that they can trick you into revealing your personal information (i.e. usernames, passwords or PINs) or install malware on your device. These emails will often appear to come from a legitimate source and will prompt you to unknowingly click a malicious link or open an infected attachment. Phishing emails have become more sophisticated, with typos/grammatical errors no longer being the main warning sign. Don’t reply to the message or use any contact information it provides. If the message is claiming to be from Tangerine, contact us at firstname.lastname@example.org or call us at 1-888-SAFE-304 (1-888-723-3304).
Smishing is similar to phishing, except the messages are received by text message or SMS (Short Message Service) instead of email. Vishing (voice phishing) is another type of phishing but is conducted over the phone. Both types of scams will prompt you to provide personal information and will often have a high sense of urgency.
Hackers have become quite creative at finding ways to separate you from your personal information. Fraudulent emails and online ads that direct you to fake websites can appear scarily real. The problem is they’re designed to trick you out of your financial information such as credit card or bank account details. But by being cautious and alert, you can avoid being taken in. Look for the following:
- The website looks poorly designed and/or has broken links.
- You can’t find contact information.
- The website doesn’t outline clear sales, shipping and privacy policies.
- The back button is disabled - being stuck on a page without being able to go back is usually a red flag.
- You’re being asked for your credit card information before you make a purchase.
An increasing number of retailers and service providers require or encourage you to download their own app to do business with them. But just like websites, apps can be duplicated by fraudsters with the intent to steal your personal information. Watch for these tip-offs that the app could be a scam:
- The name of the app publisher is different from the retail app and/or the spelling is incorrect.
- The app doesn’t have user feedback or ratings.
- The app requires several permissions to install.
- The app has multiple pop up ads and/or keeps prompting you for your personal information.
Not sure that website or app is legit? Google the company and see what comes up in your search. Send an email or call the phone number listed to see if they’re really who they say they are.
Banks and government agencies will never request gift cards or prepaid cards in payment of a debt or bill. If you ever receive a suspicious call, don't provide any personal or sensitive information and get in touch with the organization they claim to be representing. If you get a suspicious call claiming to be from Tangerine, you can call our online security line at 1-888-SAFE-304 (1-888-723-3304).
Tangerine will never send you an email or text message asking for your Client Number, Account Number, Secret Questions or PIN. If you ever receive an email or text message that asks for any of these things, it’s smart to be suspicious of it, and we ask that you forward the suspicious email to us at email@example.com or call us at 1-888-SAFE-304 (1-888-723-3304).
Ever see an offer online or receive an email with a product offering that sounds too good to be true? Then there’s a real chance that it is. Fraudsters pose as sellers offering items for an amazing price or with free shipping, but all they’re after is your money.
Credit and debit card fraud can happen at bank machines, ABMs and retailers virtually anywhere. Make sure whenever you're entering a PIN into a machine, you keep it private, and keep your eyes open for suspicious-looking devices attached to the machine so you don’t unknowingly help thieves gain access to your Account.
Sure, the letter looks legitimate, but is it? Are you being asked to send in money or provide confidential information? If so, you may be looking at a case of attempted mail fraud. Fraudsters use several tactics to trick you, including:
- Get-rich-quick schemes
- Fake charity solicitations asking for donations
- Prize winnings that require you to pay for shipping expenses
Remember, when in doubt, contact the organization the letter claims to be from to confirm if it’s real.
If a fraudster does manage to steal your personal information, their next move is to gain access to your online accounts. They can really do damage by making purchases, withdrawing your money or even changing the details of your account.
Identity and information theft is a serious problem facing consumers and businesses today. Hackers are no longer interested in breaking into computer systems and causing them to crash. Instead, they want to keep a system up and running so they can steal information from it, or use it as a launch pad for attacks against other computers. If your identity is "stolen," you may find yourself with a poor credit rating as the fraudster has taken out loans, credit cards, etc. in your name. If you notice any abnormal activity in your financial records, don't hesitate to contact your financial institution to follow up. You can reach our online security line at 1-888-SAFE-304 (1-888-723-3304).
One way criminals try to scam you out of your user names and passwords is by creating a copy of a site’s login page. The fake version will look an awful lot like the real thing, so be extra aware when visiting sites before you enter your login details.
This particular scam involves a fraudster hacking into your email. They then send emails telling your contacts you were robbed while on vacation and urgently need them to send you money right away.
Good to know before you call
- Start by contacting the merchant if you suspect a Credit Card or debit purchase error.
- Check with your other financial institutions for any suspicious activity.
- Did you get notified for an unauthorized login attempt? 3rd party personal finance apps you use will sometimes log into your bank accounts to get most up to date balances.
If you suspect unauthorized use of your Tangerine Account(s) or think that someone may have your login information or Card PIN, please call us right away 1-888-SAFE-304
Just have some concerns or questions? Feel free to call, and we'll help you out.
To help address suspicious activity, here are some things to consider:
- If you suspect a Credit Card or debit purchase error, start by contacting the merchant.
- Check your accounts at other financial institutions for any suspicious activity.
- Did you get notified of an unsuccessful login attempt? Third party personal finance apps you use will sometimes log into your bank accounts to get the most up-to-date balances.
If you suspect fraudulent activity relating to your Account, please call us right away at 1-888-SAFE-304 (1-888-723-3304).
Contact the merchant first about unauthorized chargers or transactions. If you can’t resolve it with the merchant, call us at 1-888-SAFE-304 (1-888-723-3304) to launch an official dispute.
If you suspect an email may not be legitimate from us, you can double-check its really us by forwarding the communication to firstname.lastname@example.org.
We’ll let you know if it’s legitimate.
If your Tangerine Client Card is lost or stolen, please report it right away. Here's how:
- Log in and click your Chequing Account.
- Then click the 'Manage Card’ button.
- Under 'Actions', click 'Replace lost, stolen or damaged Card'.
Follow the steps from there.
Or call us at 1-888-SAFE-304 (1-888-723-3304) to report your Card as lost or stolen.
We'll issue a replacement Card, and it should arrive within 5 to 7 days.
If your Tangerine Credit Card is lost or stolen:
- Log in if you haven’t already, select your Credit Card Account and click the ‘Pause Card’ button. Follow the steps from there. This will stop any new activity on your Card from the date you pause the Card.
- Once it’s paused, if you can’t find your Card, please call us at 1-888-SAFE-304 (1-888-723-3304).
If you’re travelling outside Canada or the U.S., you can call us collect at 416-758-3139. We’ll cancel your Card and issue a replacement.